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Hilton Honors American Express Surpass Card or Bank of America Premium Rewards Elite?
Hilton Honors American Express Surpass Card returns $50 over its fee and Bank of America Premium Rewards Elite returns $70, so the fee difference comes down to which categories you use.
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Bank of America Premium Rewards EliteBank of America · $550 fee · 3 credits
NET VALUE+$50$200 credits
NET VALUE-$70$480 credits
| CATEGORY | HILTON HONORS AMERICAN EXPRESS SURPASS CARD | BANK OF AMERICA PREMIUM REWARDS ELITE |
|---|---|---|
| 🌎Travel | $200 | $330 |
| Hotel Free Night Certificates | — | |
| Total credits | $200 | $480 |
| Annual fee | $150 | $550 |
| Net value |
BEST NET VALUE
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
TAKE THE BANK OF AMERICA PREMIUM REWARDS ELITE IF
You use travel.
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Start tracking freeFrequently asked questions
Which is better, Hilton Honors American Express Surpass Card or Bank of America Premium Rewards Elite?
The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the Bank of America Premium Rewards Elite at -$70. The Hilton Honors American Express Surpass Card wins by $120/year.
What's the difference between Hilton Honors American Express Surpass Card and Bank of America Premium Rewards Elite?
The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits. The annual fee difference is $400.
Which has a lower annual fee, Hilton Honors American Express Surpass Card or Bank of America Premium Rewards Elite?
The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the Bank of America Premium Rewards Elite at $550. However, the Bank of America Premium Rewards Elite offers $480 in total annual benefits.
Is the Hilton Honors American Express Surpass Card worth it compared to the Bank of America Premium Rewards Elite?
Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$70 for the Bank of America Premium Rewards Elite. It also has a lower annual fee.
Amex vs Bank of America: which issuer is better?
For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Bank of America Premium Rewards Elite is better for travel with $330 in annual travel benefits compared to $200 for the Hilton Honors American Express Surpass Card.